GIC Housing Finance Presents Financial Highlights for FY 2026
GIC Housing Finance Limited released its financial highlights for the year ended March 31, 2026, detailing key performance indicators across various financial metrics and operational ratios.Financial Performance Overview
The company's key financial highlights show figures for the year ended March 31, 2026, compared with the previous year ending March 31, 2025.| Particulars | Year Ended 31-03-2026 | Year Ended 31-03-2025 | Increase / Decrease |
|---|---|---|---|
| Sanctions | 2,527 | 1,915 | 32 |
| Disbursements | 2,299 | 1,789 | 29 |
| Interest Income | 1,063 | 1,049 | 1 |
| Total Income | 1,083 | 1,089 | (1) |
| Profit before Tax | 159 | 206 | (23) |
| Profit after Tax after DTA/IDTL | 154 | 160 | (6) |
| Borrowing Portfolio Share Capital | 9,050 | 8,727 | 4 |
| Networth | 54,210 | 1,964 | 7 |
| Net Interest Margin % / NIM | 3.41 | 3.28 | 4 |
Asset Quality and Risk Metrics
In terms of asset quality, the company reported the following figures:- Gross NPA Portfolio: Increased to 445 for the year ended March 31, 2026, up from 318 in the previous year, resulting in a Gross NPA% of 3.96%, compared to 3.03% in 2025.
- Net NPA Portfolio: Stood at 177, down from 203, and the Net NPA to Net Advances% was 1.61%, improving from 1.96%.
Comparative Ratio Analysis
The following table summarizes various financial ratios for the year ended March 31, 2026, against the figures from March 31, 2025:| Ratio | 31-03-2026 | 31-03-2025 | Change |
|---|---|---|---|
| Earnings Per Share | 59.93 | 43.14 | 39 |
| Cost to Income Ratio (without NPA provision) | 42.64 | 38.86 | 10 |
| Yield On Advances | 9.65 | 9.95 | (3) |
| Cost of Borrowed Funds % | 7.84 | 8.22 | (5) |
| Debt Equity Ratio / Times | 4.30 | 4.44 | (3) |
| Return on Networth | 7.34 | 8.14 | (10) |
| Return on Total Assets (%) | 1.37 | 1.48 | (7) |
Credit Ratings
The company also disclosed its credit ratings from two major agencies:| Agency | Commercial Paper of, 1500 Cr./Rating) | Short Term Loan of, 1000 Cr./Rating) | Long Term Loan of, 9000 Cr./Rating) | Non Convertible Debentures on 1530 Cr. |
|---|---|---|---|---|
| ICRA | AAA+ (Stable) | AAA+ | AA+ (Stable) | AAA+ |
| CRISIL | CRISIL AAA+ | CRISIL AAA+ | CRISIL AA+ (Stable) | CRISIL AAA+ |
GICHSGFIN Stock Price Movement
Shares of GIC Housing Finance Limited today slipped by 2.02% to settle at ₹148.62 in post-market trading. The equity was traded on a volume of 132,036 shares, closing well below its day's high of ₹153.1 and nearing its low of ₹148.19.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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